Mortgage Calculators Australia | Repayments, Borrowing Power & Stamp Duty | Harlia Finance

Mortgage calculators

Loan Repayment Calculator

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$
%
yrs
$

View your results

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Total payments{{ r.total }}
Number of repayments{{ r.count }}
Loan balance chart
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Note: the information provided by this calculator is intended to provide illustrative examples based on the stated assumptions and the figures you enter. Calculations are estimates only and it is advised that you speak with Harlia Finance about your specific circumstances.

Description

This calculator helps you work out what your regular repayments will be based on your loan amount. The repayment frequency can be changed to monthly, fortnightly or weekly. Calculates both principal and interest repayments for a loan term.

Assumptions

  • It does not take into account any possible up-front fees. Only ongoing fees are used, not upfront or end-of-loan fees (i.e. discharge costs).
  • Interest rate does not change over the loan term.
  • Interest is calculated by compounding on the same repayment frequency selected. In practice, the interest compounding frequency may not be the same as the repayment frequency.
  • It is assumed that a year consists of 26 fortnights or 52 weeks, which is counted as 364 days rather than 365 or 366 days.
  • No rounding is done throughout the calculation, whereas repayments are rounded to at least the nearest cent in practice.

Extra Repayment Calculator

Enter your details

$
%
yrs
$
of the loan

What the extra saves you

Total interest saved
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Time cut from the loan{{ x.timeSaved }}
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Scheduled repayment{{ x.basePayment }}
New loan term{{ x.newTerm }}
Original term{{ x.origTerm }}
Total paid with extra{{ x.totalNew }}
Total paid without{{ x.totalOrig }}

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Note: extra repayments are assumed to continue for the life of the loan and the interest rate is held constant. Fixed-rate loans usually cap how much extra you can pay each year, and some lenders charge break costs. Speak with Harlia Finance before committing to a repayment strategy.

Home Loan Offset Calculator

Enter your details

$
%
yrs
$
$

What the offset saves you

Total interest saved
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Time cut from the loan{{ o.timeSaved }}
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New loan term{{ o.newTerm }}
Original term{{ o.origTerm }}
Offset balance at payout{{ o.endBalance }}
Total paid with offset{{ o.totalNew }}
Total paid without{{ o.totalOrig }}

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Note: this assumes a full offset account against a variable-rate loan, with the repayment held at the scheduled amount so the saving shortens the term. Partial offsets credit only part of the balance, and offset accounts often carry a package fee. Interest treatment on investment loans differs. Speak with Harlia Finance about your circumstances.

Borrowing Power Calculator

Enter your income details

$
$
$

Enter your expense details

$
$
$
$

Enter your loan details

%
yrs

View your results

You can borrow up to
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Monthly repayment{{ b.monthly }}
Fortnightly repayment{{ b.fortnightly }}
Weekly repayment{{ b.weekly }}
Assessment rate used{{ b.assessRate }}
Monthly surplus after expenses
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Living expenses assessed at {{ b.hemUsed }} per month, the greater of your figure and the household benchmark.

Note: borrowing power is calculated on a custom model that differs from lender to lender. Calculations are estimates only and it is advised that you speak with Harlia Finance about your specific circumstances.

Description

This calculator is designed to give you an estimate of how much money you can borrow from a lender. Note that borrowing power is calculated on a custom model which can differ from lender to lender. The purpose of this calculator is to give an indication of what a lender could offer you, based on some of your basic incomes and financial commitments. You will only know how much you can borrow for certain when you apply and receive conditional approval for a maximum borrowing amount on a loan.

Assumptions

  • It does not take into account any possible fees, i.e. up-front fees or ongoing fees.
  • Interest rate does not change over the loan term.
  • Interest is calculated by compounding on the same repayment frequency selected. In practice, the interest compounding frequency may not be the same as the repayment frequency.
  • It is assumed that a year consists of 26 fortnights or 52 weeks, which is counted as 364 days rather than 365 or 366 days.
  • No rounding is done throughout the calculation, whereas repayments are rounded to at least the nearest cent in practice.
  • Buffer or extra interest rate: in order to avoid the risk of interest increasing, many lenders apply a buffer to calculate borrowing power, but the repayments and total interest payable are still calculated without the buffer rate.
  • The borrowing power total is calculated at the greater of the interest rate input plus a buffer of 3%, or a fixed floor rate of 5.75%.
  • The greater of the estimated living expenses input, or a default Household Expenditure Measure amount which is implemented in many lenders' serviceability calculations, is used to calculate the borrowing power amount. The benchmark varies with household type and number of dependants.
  • Total credit card limits are assessed as a monthly commitment of 3.8% of the approved limit, regardless of the balance owing.

Stamp Duty Calculator 2026–2027

Enter your details

$

Government fees

Total government fees
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Stamp duty on property{{ d.duty }}
Foreign purchaser surcharge{{ d.surcharge }}
Mortgage registration{{ d.mortReg }}
Transfer fee{{ d.transfer }}
Government grants
Total government grants {{ d.grant }}

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Rates reviewed September 2026. Stamp duty and related government fees vary by state and change over time, and thresholds in several states are indexed each 1 July. This calculator provides indicative estimates based on the published rates shown under rates & thresholds and the figures you enter. It does not cover every concession, surcharge or exemption. Calculations are estimates only and it is advised that you speak with Harlia Finance about your specific circumstances.

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These calculators provide estimates for general information only and do not constitute a loan offer, pre-approval, financial advice, or a stamp duty assessment. Actual borrowing capacity, repayments and government duties depend on a full assessment by the lender and the relevant state revenue office. Speak with Harlia Finance for a precise, personalised assessment.

An estimate is a start. A structure is the work.

These tools give you a rough shape. What they cannot do is read a lender's policy, or tell you which of fifty will say yes to your situation. That part is a conversation.

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